Post-close documents

How do we check the signed closing documents against the closing checklist and log and chase every exception automatically after a mortgage closes?

Read the signed package against the checklist the day it returns. Callvu checks every signed document against the closing checklist for the program and state (presence, every signature and initial, notarization blocks, dates, riders, the correct versions), logs each gap as an exception with the party that can cure it (the settlement agent, the title company, the borrower, the closer), chases each on a schedule, and writes the cleared package to the LOS so the loan can be delivered.

In scopeComplex: multi-party handoffsCallvu moves: chase and verify, classify, write back

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Last updated November 7, 2026.

The problem today

The post-closer's exception list is a spreadsheet, and the missing rider is found by the investor.

Today, without Callvu

The signed package comes back from the settlement agent. A post-closer flips through it when they can, notes what is missing on a spreadsheet, and emails the settlement agent. The loan goes to the investor with a rider unsigned, and the purchase is suspended, which costs days of interest and the relationship.

The closing checklist is specific to the program and the state: the note and its allonge, the security instrument and its riders, the notarizations, the Closing Disclosure as signed, the affidavits, the state's forms. Each item has a check, an owner when it fails, and a deadline set by the investor's delivery window.

Reading the package on the day it returns is the difference between curing before delivery and after.

How it runs

From the requestto the system of record.

The signed closing package returns from the settlement agent through the secure link. Callvu opens the post-closing review against the checklist.

Post-closer: Reviews only the exceptions the reading flagged and sees the aging.
Settlement agent: Cures the exceptions that are theirs through the secure link.
Title company: Provides corrections and the recording information.
Callvu: Reads, checks against the checklist, logs exceptions with owners, chases and writes.

Chase and verify the package
Each document in the returned package is read and matched to the checklist for the program and state: presence, the correct version, every signature and initial on every page, the notarization blocks (the notary, the date, the seal), the dates against the closing date, and the riders the security instrument requires.
Classify the exceptions
Each gap is logged as an exception with its type (missing document, missing signature, defective notarization, wrong version), its severity for delivery (a delivery stop or a trailing item), and the party that can cure it, with the deadline from the investor's delivery window.
Chase to cure
Each exception goes to its owner through the secure link with the page and the fix; cures are read and re-checked on arrival; the post-closer sees the aging and the delivery deadline.
Write back
The cleared package with each exception's cure is written to the LOS and the document system, and the investor delivery process receives a package with its exception history; items that are trailing by nature (the recorded security instrument, the final title policy) pass to the trailing documents process.

Where it ends: The signed package was checked against the checklist the day it returned, every exception was cured by its owner before delivery or passed to trailing documents, and the LOS holds the cleared package with its history. The Decision Trace shows each check and classification; the Audit Trace shows each exception, chase and cure.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

Investor and agency delivery and documentation requirements (Fannie Mae Selling Guide E-2 and the delivery requirements; Freddie Mac Guide 6300 series; Ginnie Mae and FHA requirements): The loan file delivered for purchase or pooling must contain the executed note and security instrument with required riders and endorsements, properly executed and notarized, and the closing documents the program requires; defects are suspended until cured and can lead to repurchase if uncured.
State execution and notarization requirements: The security instrument and other recorded documents must meet the state's execution and acknowledgment requirements to be recordable; the checklist applies the property's state.
TRID record retention (Reg Z 12 CFR 1026.25(c)): The Closing Disclosure and related records are retained for five years; the package as signed is part of it.

Company policies

The checklist per program and state is the lender's post-closing policy, applied by Callvu to every package.
Every exception has an owner, a severity and a deadline from the delivery window; none sits on a spreadsheet.
A delivery-stop exception holds delivery until cured.
The LOS and the document system hold the cleared package with its exception history.

Controls

Package reading against the checklist.
Signature, initial and notarization checks per page.
Exception classification with owner, severity and deadline.
Owner chase with re-check on cure.
Delivery hold on stop exceptions.
Hand-off of trailing items.

Clocks and deadlines

Investor delivery window: Exceptions cured before the delivery deadline for the loan's commitment.
Exception aging: Escalation at the policy's age limit.

Documents and checks

The returned package as read
The checklist results per document
The exception log with owners and deadlines
Each cure and its re-check
The cleared package in the LOS

In the Decision Trace

Each document's checks.
Each exception's classification.
The delivery hold and release.

In the Audit Trace

The return and the reading.
Each chase and cure.
The write and the hand-off.

The handoff

Between the front doorand the back office.

The front door

The settlement agent's return through the secure link.

The back office

The post-closer works exceptions with owners and deadlines; investor delivery receives a cleared package.

The Decision Desk

An exception that cannot be cured before the delivery deadline, or a defect that may require re-execution with the borrower, goes to the post-closing manager in the Decision Desk with the options and only the allowed outcomes.

Proof

In scope.Proof at scale, not one process at a time.

The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.

Bank Leumi runs its home lending workflows on Callvu.

MTG-01

Community Bank of Mississippi runs TRID loans on Callvu.

MTG-02

More than 1,000 processes are live across Callvu customers.

Across Callvu customers

Questions

What buyers ask next,answered plainly.

What is checked on the returned package?

Every document against the checklist for the program and state: presence, version, every signature and initial, notarization blocks, dates and riders.

Who cures an exception?

The party that can, through the secure link, with the page and the fix stated; the cure is re-checked on arrival.

What holds delivery?

Any exception classified as a delivery stop, until it is cured; trailing items pass to the trailing documents process.

Related processes

Trailing documents Investor delivery and purchase conditions Hybrid and remote e-closing Compared with the alternatives Try it in the sandbox All home lending processes

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